Are you trying to decide whether Pacific Debt Relief vs. AmOne is right for you? Both offer personal loans and help resolve debts, so it can be tough to choose between them. This comparison will help you make a decision based on your needs.
- BBB A+ Rating
- Minimum Debt $10,000
- No Minimum Credit Score
- $3 billion+ debt resolved
- BBB A+ Rating
- Minimum Debt $7,500
- No Minimum Credit Score
- $500 million debt resolved
Pacific Debt Relief Review: This Is Why It’s Ranked #1
One such company is Pacific Debt Relief, which has been helping people reduce their unsecured debts since 2002. They have an A+ rating with the Better Business Bureau and have helped thousands of people get out of debt. So, is this company legit? In this review, we’ll look at what they offer and how much it costs to help you decide whether or not they’re right for you.
Among the debt consolidation services offered by the debt settlement company are the consolidation of credit cards, medical bills, personal loans, and more. They have a team of debt counselors who will work with you to develop a debt settlement plan that meets your financial needs. They will contact your creditors to negotiate lower interest rates and monthly payments once you have enrolled in their program. They will work with you to find a solution if you have difficulty making payments.
Pacific Debt is a unique debt consolidation company with extensive experience and a proven track record. They have been in business for over 20 years and have helped thousands of people get out of debt. Pacific Debt specializes in helping clients pay off unsecured debts and provides personalized assistance to each client.
Is Pacific Debt Relief a scam? This company is not a scam. The company is a legitimate debt consolidation company with a long history of helping individuals reduce their unsecured debts. Consider Pacific Debt Relief if you are seeking debt relief options.
The highlights
- No upfront costs and free consultation.
- After fees, you may be able to save up to 35%.
- Online account monitoring is easy to use.
The trade-offs
- Consumers may save as little as 15% after fees are deducted.
- To qualify for Pacific Debt’s relief program, you must also reside in one of the states where Pacific Debt operates.
What is Pacific Debt Relief?
Debt relief can be a complex and confusing process. Still, with the help of a professional firm, it can be much more straightforward. The company has helped over 30,000 clients resolve over $1 billion in outstanding debts through various means, such as negotiation, settlement, or bankruptcy. As a leading provider of these services, they have the experience and resources to help you get out of credit card or medical debts.
Consumers who have difficulty making minimum payments and are concerned about reducing the amount they must pay to their creditors should consider this debt settlement company.
Debt relief may be necessary for many reasons. Perhaps you have lost your job and can no longer make payments. You may be dealing with a medical emergency that prevents you from working. No matter the reason, help is available.
They will work with you to find a solution to meet your needs and budget. The company has an 85% success rate, so you can rest assured that they will do everything possible to assist you.
What is the process of Pacific Debt Relief?
Pacific Debt Relief works by providing debt relief services to individuals who are struggling with unsecured debt. The process typically involves the following steps:
- Free Consultation: The first step in the process is a free consultation with a debt relief specialist. During this consultation, the specialist will review the client’s financial situation and discuss their options for debt relief.
- Enrollment: If the client decides to move forward with Pacific Debt Relief, they will enroll in the program and sign an agreement. At this point, the client will stop making payments to their creditors and instead make payments to a dedicated account.
- Debt Negotiation: Pacific Debt Relief will negotiate with the client’s creditors to reduce the amount of debt owed. The goal is to settle the debts for less than the full amount owed.
- Payment: Once a settlement is reached, the client will make a lump-sum payment to the creditor using the funds in their dedicated account.
- Repeat: This process will be repeated for each debt until all debts are settled.
Throughout the process, Pacific Debt Relief will work with the client to provide guidance and support. The goal is to help the client become debt-free and achieve financial stability.
Summary Of Pacific Debt
- Accreditation: The American Fair Credit Council, the Better Business Bureau, Consumer Affairs, and the International Association of Professional Debt Arbitrators
- Consultation: A customer service representative is available by Phone or online for a free consultation
- Costs: The total debt enrolled ranges from 15% to 25%. States charge different fees.
- Customer Service: By Phone or email
- Debts accepted:Â All unsecured debts, except for consumer finance loans, payday loans, legal judgments, and medical debts not already in the collection. The minimum amount of debt considered is typically $10,000.
- Restrictions: Only 25 states provide Pacific Debt services
- Resources offered for free: Debt management blog with helpful information
- Service offered: Direct negotiation for debt settlement.
- Ratings of trust: A+ rating from the Better Business Bureau and 9.3 from Trustpilot
- Typical turnaround time:Â between 24 and 48 months
How to qualify
Debt relief companies can help you get back on track if you are struggling with debt. What are the requirements for obtaining such a loan? The following information should help determine whether you are eligible for Pacific Debt Relief.
To qualify for a debt consolidation plan through Pacific Debt Relief, you must have $10,000 in debt and a maximum of $100,000 in debt. If you meet these qualifications, you may qualify for a debt relief loan from Pacific Debt Relief. The simple process can help you get out of debt faster than other debt relief companies.
How To Sign Up
During enrollment, a certified debt specialist will ask you more about your financial situation and determine if the debt settlement program is right for you.
The following steps can be taken to arrange a free consultation with a Pacific Debt representative:
- Visit the website of Pacific Debt Inc.
- Get a free debt consultation by clicking Free Consultation.
- Click on See Savings after selecting the amount of your debt.
- Choose the amount you are behind on your payments.
- Select your state of residence.
- Enter all relevant contact information and click the Submit button.
How much does Pacific Debt cost?
It depends on how much debt you have and what kind of repayment plan you are considering. As a general guideline, their fees are typically 15-25% of the enrolled debt, so if you have $10,000, you can expect to pay us $1,500-$2,500 throughout the loan.
This figure is only an estimate – your debt consolidation terms will determine your monthly payments. Using their services does not require any upfront fees. If you’re looking for debt settlement services with no hidden costs or surprises, Pacific Debt is the right choice.
How Much Could You Save With Them?
Pacific Debt Relief may be a good option to reduce your debt. You can save a substantial amount with an average savings of 50%. Remember, however, that fees are not included in this calculation.
The average savings are between 15% and 35% once fees are considered. As a result, Pacific Debt Relief may not be the best option if you want to save as much money as possible. But, if you are willing to sacrifice some potential savings for the convenience of working with a reputable company, Pacific Debt Relief may be a good option for you.
See If You Qualify for Credit Card Relief
See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.
When will Pacific Debt Relief begin resolving your debt?
The Pacific Debt Relief program claims to assist you in resolving your debt in the shortest possible time. They will negotiate a debt settlement with your creditors once you have enrolled in the program.
It usually takes them 12 to 36 months to resolve our client’s debt. A budget and payment plan will be created with you during this time. It is possible that they can negotiate a lower interest rate or monthly payment amount with your creditor if you are having difficulty making payments on your credit card debt.
What effect does it have on your credit score?
There is no doubt that debt relief can negatively impact your credit score. You may need to be aware of Pacific Debt Relief’s direct effect on your credit.
Debt relief programs offered by Pacific Debt Relief can help reduce your monthly payments and interest rates by negotiating with your creditors. This process, called debt settlement, may help you get back on track financially.
Debt settlement is an agreement between you and your creditors to pay off your debt for a reduced amount. Instead of making payments directly to your creditors, you will make payments to a debt settlement company that will hold onto the money until they have enough to pay off your debt.
Once they have settled your debt, they will report it to the credit bureaus as “settled.” As a result, your credit score will be negatively affected. Despite this, it is essential to keep in mind that settling your debts is still preferable to declaring bankruptcy if you wish to maintain your credit rating.
What is the best way to use Pacific Debt Relief’s website?
The Pacific Debt Relief website is an excellent resource for debt relief. Here are some tips on how to utilize it to its fullest potential.
The first thing you should do is visit the “Calculate Your Savings” tool. As a result, you will be able to determine how much you can save by working with Pacific Debt Relief.
The next step is to review the “Success Stories” section. You will see real-life examples of Pacific Debt Relief’s success; this is a great way to understand better how Pacific Debt Relief works.
Finally, review the “Frequently Asked Questions” section. Pacific Debt Relief can answer any questions about the debt settlement industry.
With these simple steps, you’ll be well on your way to debt relief.
BBB reviews of Pacific Debt Relief
Understandably, you may be concerned about Pacific Debt Relief’s BBB rating if you consider using them to assist you with your debt. We have the scoop on Pacific Debt Relief’s BBB rating and information on the company’s complaints history.
Pacific Debt Relief has been accredited by the Better Business Bureau since 2010 and holds an A+ rating. Three complaints have been closed in the last three years and one in the past twelve months. Pacific Debt Relief regularly responds to protests against it, although it could be a better record.
The BBB rating of Pacific Debt Relief is something you should consider if you are thinking about using them to help you get your finances back on track. Take the time to read through the company’s complaints history to understand the company thoroughly.
Here are some reviews:
Debra R 02/01/2023
Michael M 02/01/2023
Kari D 02/01/2023
Do you know if Pacific Debt Relief is legit?
If you are asking yourself this question, you are not alone. Many people wonder if this company is legitimate and if it settles millions of dollars in consumer debt each month.
Pacific Debt Relief is a legitimate company that has helped thousands of people get out of debt. Having been in business for over 20 years, they have an A+ rating with the Better Business Bureau. Their major drawback is that they only serve half of the states nationwide.
Even so, Pacific Debt Relief is a good option if you are looking for a legit debt relief company. The Pacific Debt Relief company is an excellent choice if you are looking for a legit company to assist you in getting rid of your debt. We highly recommend Pacific Debt Relief.
AmOne Review: Among The Top Online Lenders
AmOne is an excellent choice for anyone seeking a personal loan. They have a high success rate and are one of the most trusted names in online lending. In this AmOne review, we’ll take an in-depth look at what they have to offer borrowers. From their application process to repayment terms, you’ll be able to decide whether AmOne is the right lender for you.
Applying for a loan with AmOne is a simple and straight simple online application in just a few minutes, and you will typically receive a decision within 24 hours. AmOne works with a network of lenders to find you the best rates and terms, so even those with less-than-perfect credit have a good chance of being approved for a loan.
This company offers various personal loans, including debt consolidation, home improvement projects, medical expenses, etc. There is a minimum loan amount of $500 and a maximum loan amount of $50,000.
Personal loans offered by AmOne are fixed, which means that the interest rate will not fluctuate during the life of the loan. Depending on the loan amount, repayment terms range from 24 to 60 months. Additionally, there are no origination fees or prepayment penalties associated with this loan.
Overall, this is an excellent option for borrowers seeking a personal loan. There is a quick and easy application process, a high success rate, and reasonable interest rates. If you are in the market for a personal loan, AmOne should be at the top of your list.
Pros and Cons of AmOne
There are a lot of positive reviews for this company when it comes to personal loans. Many people trust them, and they have a good reputation as a loan provider.
The main advantage of this service is that you will be matched with a lender who meets your needs. Additionally, you can view the loan terms and conditions before you sign.
This company is also well known for its excellent customer service. If you have any questions, they are always available to assist you.
If you have bad credit, you may not be able to obtain a loan through AmOne. Most people who use AmOne are satisfied with the service, and this is rare. In conclusion, AmOne is a good option for those who need a personal loan because the pros outweigh the cons.
What is AmOne’s process?
AmOne is an online personal loan company that seeks to match you with trusted lenders rather than acting as a lender itself. The company offers Personal Loans for various purposes, including debt consolidation, home improvement projects, medical expenses, and more. Applying for a Personal Loan with them is simple and only takes a few minutes. With AmOne, there are no fees or obligations to accept the loan offer if it’s not right for you.
AmOne offers what benefits?
The following are some of the benefits of using AmOne:
- The process for applying is easy.
- There are no fees or obligations associated with accepting a loan offer.
- Assisting with debt consolidation, home improvement projects, medical expenses, and more
What is AmOne’s process?
AmOne provides a free online service that matches you with lenders who can provide you with personal loans. You only need to fill out a short form, and they will handle the rest for you. In addition, there are no fees or obligations associated with the process.
You may have questions about how it works if you’re like most people. The following are some of the most frequently asked questions:
AmOne matches me with lenders in what way?
They work with a network of personal loan lenders to find the best match for your needs and budget. If you fill out our online form, we will ask you questions about your financial situation and what you want in a personal loan. A private loan lender from their network will be matched with you based on your information.
You can compare those lenders’ offers to determine which is correct. With their help, you can compare personal loan offers to find the best deal for your needs.
When will AmOne find me a lender?
Several factors affect the answer to this question, including the amount of money you need to borrow and your financial situation. AmOne typically finds a lender willing to work with you within 24 hours to a few days.
The sooner you submit your loan application, the sooner they will be able to find you a lender. The best thing to do if you need money quickly is to start immediately.
What if I have bad credit? Is AmOne still able to help me?
You may still be able to obtain a loan even if your credit is poor. They provide personal loans to individuals with bad credit. In addition to consolidating debt, making home improvements, or covering unexpected expenses, they offer personal loans.
Please get in touch with them at 1-800-781-5187 to learn more about their bad credit personal loans.
With a personal loan from AmOne, how much money can I borrow?
You may qualify for a certain amount of credit depending on your financial situation. Most of their lenders offer loans between $500 and $50,000.
Do I qualify for a loan?
To qualify for a loan, you must:
- You must be at least 18 years old.
- You must be a U.S. citizen or permanent resident.
- Maintain a regular income
- You should have a checking or savings account.
Your loan application is likely to be approved if you meet these criteria. If you wish to apply for a loan with a particular lender, you must meet their specific eligibility requirements.
Can I get a loan if I’m not approved?
Even if you’re not approved, they will still work with you to find another lender who may be able to provide you with financing. It doesn’t matter how long it takes; they’re committed to helping their customers get the money they need.
My loan needs to be repaid; how do I do that?
Once you have been matched with a lender, they will provide you with all the details regarding repayment. The repayment period for most personal loans ranges from 12 to 60 months. Until your loan is fully repaid, you will make fixed monthly payments.
How does AmOne work with lenders?
The company works with a variety of personal loan lenders. They aim to provide their clients with the best personal loan options by working with banks, credit unions, and online lenders. The company also works with smaller regional lenders who may have more flexible lending requirements. Your financial situation does not matter; AmOne can help you find the right personal loan lender to meet your needs.
What are the best loan terms I can get?
AmOne strives to provide you with the best loan terms possible. Through a sophisticated algorithm, they match you with trusted lenders who can provide you with the best personal loan terms. As a result, you can get the money you need at a competitive interest rate.
AmOne personal loans have an APR of what?
AmOne matches you with trusted lenders who offer competitive rates when you apply for a personal loan. You can find a loan that fits your needs from lenders with APRs as low as 4.99% and as high as 35.99%.
In addition to debt consolidation, home improvements, and medical expenses, personal loans may also be used for other purposes. As soon as 24 hours after submitting your application, you will have access to funds up to $50,000 with AmOne.
You can start the process by filling out our short online form, and one of their Loan Specialists will contact you to discuss your options.
AmOne offers what types of loans?
Depending on your needs, AmOne provides both secured and unsecured personal loans. As long as you do not have any significant assets to use as collateral, you may be able to take advantage of an unsecured personal loan or use your home equity as collateral for a secured loan.
Furthermore, they offer debt consolidation loans so you can take control of your debts and make one monthly payment rather than several. Consider home improvement loans if you wish to make repairs or improvements to your property.
Regardless of your financial needs, AmOne can help. To help you achieve financial success, they work with a network of lenders to determine the best loan for your needs.
What is the minimum credit score for an AmOne personal loan?
Even if your credit score isn’t perfect, AmOne can still help you get the personal loan you need, even if it’s not perfect.
An AmOne personal loan requires a minimum credit score of 580. You may still be able to get a loan through one of their partner lenders, even if your credit score is below 580.
If you don’t know your credit score, you can check it for free on Credit Karma or another credit monitoring site. Once you know your credit score, you can begin shopping for a personal loan.
Getting the lowest interest rate is one of many things to consider when it comes to personal loans. You should also ensure you get a loan from a reputable lender with good customer service. People with all types of credit can benefit from AmOne.
Can you tell me who owns AmOne?
You may be surprised by the answer. Roderick Romero is the owner of one.
A successful entrepreneur and business owner, Roderick Romero owns and operates his own business. He is the CEO of AmOne, a financial services company that provides loans and debt consolidation services.
Romero has been in the business world for over 20 years and has extensive experience managing businesses and helping clients achieve their financial goals.
In addition to his involvement with many philanthropic organizations over the years, he strongly believes in giving back to the community.
The success of Roderick Romero can be attributed to his hard work and determination. If you are looking for a company that can assist you with your financial needs, AmOne is an excellent option.
What is the impact of AmOne on your credit?
Considering using AmOne to consolidate your debt or obtain a loan, you may wonder how it will affect your credit. Here is what you need to know about AmOne and your credit score.
AmOne provides debt consolidation and personal loans as part of its financial services offerings. To process your loan application through AmOne, the company will conduct a hard pull of your credit report. As a result, your credit score could drop a few points after applying for a loan through AmOne.
It is possible to improve your credit score if approved for the loan and use it to consolidate your debt. This is because consolidating your debt can reduce your credit utilization ratio, which is the amount of debt you have concerning your credit limit.
Suppose you’re considering using AmOne to consolidate your debt or get a loan. In that case, consider its impact on your credit score. Your credit score may dip temporarily if you consolidate your debt or obtain a loan. Still, the benefits outweigh any temporary dip.
How to cancel AmOne personal loans
It is your right to cancel your AmOne personal loan within three days of signing the agreement if you are not satisfied with it. To cancel your loan, follow these steps:
- You can cancel your loan by contacting AmOne customer service at 1(800) 781-5187.
- Within three days of signing the loan agreement, you must send a written cancellation notice to AmOne. You can use this sample letter as a template.
- Your letter should include the following information:
- Name and address of yourself
- The date on which your loan agreement was signed
- Cancellation of the loan agreement with a statement
- The signature of the author
Upon receiving your cancellation notice, AmOne will cancel the loan and send you a confirmation letter. If you have already received money from the loan, you will have 14 days to return it.
Who is AmOne affiliated with?
Some financial institutions are affiliated with AmOne, including Upstart, Payoff, Prosper, Marcus by Goldman Sachs, and LightStream. Each of these companies offers a variety of products and services that can assist you in reaching your financial goals. The AmOne team works closely with each of these companies to provide you with the best possible options for your needs.
To find the best rate and terms for your needs, AmOne can assist you in comparing offers from these partners. When consolidating debt, Amone can help you find a partner who offers the lowest interest rates and fees. Whatever your financial goals, Amone can help you find the right partner to help you achieve them.
BBB Reviews For AmOne:
A+ rating by the Better Business Bureau for AmOne
In the last three years, the following complaints have been closed:
- In the previous three years, two complaints have been completed.
- The last twelve months have seen one complaint closed.
BBB reports show that AmOne has a good business record. However, it’s essential to know that the BBB does not accredit them. There could be various explanations for this, so it’s something to keep in mind when deciding on doing business with AmOne. Additionally, most complaints against them appear to be resolved quickly and satisfactorily. So while two complaints in three years aren’t ideal, it’s a good track record – especially considering that one of those complaints was closed within the last twelve months. AmOne is a reputable company worth doing business with.
Is AmOne a scam or legit?
Before committing to a personal loan, it is essential to conduct extensive research. Make sure you consider your options and get the best deal possible.
AmOne has a high success rate and a positive customer review rating regarding personal loans. You can choose from various loan options to meet your needs and budget. AmOne is a legitimate company with a BBB rating of A+.
If you are considering taking out a personal loan, AmOne is worth considering. They have a proven track record of assisting people in obtaining financing. Make sure you compare rates and terms from multiple lenders before making a final decision.
Summary
Pros
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